Quod and Cignifi Announce Partnership in Brazil

Sao Paulo, Brazil, and Boston, USA – Quod, Brazil’s newly established positive credit bureau, and Cignifi, a leading US fintech company, announced today a partnership that has the potential to significantly improve access to financial [...]

IFC Publishes Handbook for Financial Inclusion

In collaboration with Cignifi Inc, the Intarnational Finance Corporation published The Data Analytics and Digital Financial Services Handbook. The handbook gives financial service providers an overview of the potential that data and data analytics present for [...]

The Bank in Your Pocket

Smartphones are bringing banking to the unbanked - giving millions in emerging markets access to credit and banking for the first time. Presenter Manuela Saragosa speaks to World Bank treasurer Arunma Oteh, as well as [...]

In 2015, there were 26 million credit invisible consumers in the US, according to the report by Consumer Financial Protection Bureau (CFPB). Although those people are credit-invisible for the traditional sector, their everyday activity and alternative [...]

No Credit History? No Problem. Lenders Are Looking at Your Phone Data

"Financial institutions, overcoming some initial trepidation about privacy, are increasingly gauging consumers’ creditworthiness by using phone-company data on mobile calling patterns and locations. The practice is tantalizing for lenders because it could help them reach some [...]

Cellphone Use to Determine FICO Scores Abroad

"How often do you call or text your friends? Credit scores for some consumers outside the U.S. will soon be based on that. Fair Isaac Corp., or FICO, plans to announce Tuesday that it will start letting nonfinancial [...]

This New Kind Of Credit Score Is All Based On How You Use Your Cell Phone

"In many emerging market countries, where the cash economy is more prevalent and credit is less common, far fewer people have any credit history, and thus have no credit score at all. The World Bank [...]

Cignifi and Equifax Partner to Bring Next-Generation Credit Scores to Unbanked Population in Latin America

"Cignifi and Equifax, a global information solutions company, today announced a multi-year partnership that will help Equifax expand its credit scoring capabilities in Latin America. The agreement will leverage Cignifi’s path-breaking analytics and technology to [...]

A Key Question of the Digital Era: How Much Information is Too Much?

"Mobile technology is rapidly changing the way we live. This is most dramatic in emerging countries that have simply skipped the static world of desktop computers and one-to-one emails and moved directly to the untethered, [...]